On the stock market since 1992, it operates in the world of money and finance. It has 2,314 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 6% a year over the last 4 years. Every year shown ended in profit.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
The stock trades below its recent peak — about 8% off the top. A pullback, not a collapse.
The net profit margin is 18% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 8% a year on average.
Over the last 12 months, executives reported 302 sells against just 69 buys. Not an alarm bell by itself, but a number worth watching.
The stock trades 16% above the average analyst price target.
On our five-subject report card, CACC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: CACC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.